Deputy BSA/AML Officer

Zepz•,

13h•Remote

About The Position

As the Deputy BSA/AML Officer for the USA, you will be a key leader in our 2nd Line of Defense, partnering directly with the US BSA Officer to scale, manage, and safeguard our US financial crimes compliance program. In a fast-paced, hyper-growth fintech environment, you will have significant ownership over program governance, transaction monitoring operations, state regulatory relationships, and banking partner due diligence. You are a pragmatic leader who understands how to balance strict regulatory adherence with operational efficiency and customer-centric outcomes. When the BSA Officer is away, you will step up and deputize for all US regulatory and operational matters.

Requirements

Several years of experience in financial services compliance, specifically within FinTech, Peer-to-Peer (P2P) payments, digital banking, or MSBs (Money Services Businesses).
Strong operational knowledge of AML/CFT regulations, KYC/KYB practices, transaction monitoring, and OFAC/Sanctions filtering.
Exceptional analytical and problem-solving skills with the ability to identify subtle patterns of risk or non-compliance within complex data sets.
Excellent written and verbal communication skills, with a proven ability to deliver objective, objective-driven feedback to diverse, cross-functional teams.
Proficient with specialised AML monitoring systems, case management tools.
A genuine curiosity about AI and how it can be applied in your area of work — from accelerating analysis and insight generation, to improving how we design and deliver processes and communications.
Practical experience using AI tools in a professional context — whether to connect information, draft content, build frameworks, or create insights from data. We want people who actively use AI to increase productivity, not those who are waiting to be told to.
Strong AI literacy — an understanding of what AI assistants can and cannot do, how to prompt effectively, and how to critically evaluate AI-generated output before using it.
Awareness of the ethical considerations and responsible use of AI in the workplace, particularly in the context of sensitive data, customer experience, and compliance.

Nice To Haves

CAMS (Certified Anti-Money Laundering Specialist) or CRCM (Certified Regulatory Compliance Manager) designations are highly regarded.
Prior experience using Claude (Anthropic) is a nice-to-have but not essential — what matters most is that you are genuinely engaged with AI as a tool, comfortable experimenting, and eager to share what works with your wider team

Responsibilities

Act as the primary delegate for the US BSA Officer on all matters relating to FinCEN, state regulators, and banking partners. Deputize the BSA Officer where required.
Maintain and continuously enhance US-specific AML, BSA, and OFAC/Sanctions policies to ensure they stay robust against evolving financial crime typologies and regulatory updates.
Lead the execution of the annual US BSA/AML and OFAC risk assessment process, providing data-driven insights and control recommendations to senior leadership.
Provide strategic oversight for transaction monitoring, complex case investigations, Enhanced Due Diligence (EDD) for high-risk corridors, and the quality assurance (QA) framework for Suspicious Activity Reports (SARs).
Ensure the timely, accurate, and secure electronic filing of SARs and CTRs with FinCEN, as well as necessary OFAC reporting.
Partner with the Product, Engineering, and Data Analytics teams to design, test, and implement automated controls, risk-scoring matrices, and rules for transaction monitoring systems.
Lead preparations for and coordinate responses to state Money Transmitter License (MTL) examinations, federal audits, and third-party independent reviews.
Own the responses to ongoing banking partner due diligence requests from our US clearing and payout banking partners, showcasing Zepz's strong compliance framework to maintain healthy banking relationships.
Track and drive the remediation of audit findings, internal control gaps, and regulatory issues to prompt closure.